| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 5 de febrero de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.665690 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 5/2/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 5/2/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 5/2/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 250,950.0 | 251,922.4 | 972.4 | 0.4 | -47,580.3 | -41,867.2 | 5,713.1 | -12.0 | 203,369.7 | 210,055.2 | 6,685.5 | 3.3 |
| 1. Activo externo 1/ | 250,950.0 | 251,922.4 | 972.4 | 0.4 | 8,221.3 | 12,002.1 | 3,780.8 | 46.0 | 259,171.3 | 263,924.5 | 4,753.2 | 1.8 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -53,869.3 | 1,932.3 | -3.5 | -55,801.6 | -53,869.3 | 1,932.3 | -3.5 |
| II. ACTIVOS INTERNOS NETOS | -67,198.7 | -76,358.9 | -9,160.2 | 13.6 | 482,439.5 | 481,807.6 | -631.9 | -0.1 | 332,489.9 | 328,948.0 | -3,541.9 | -1.1 |
| 1. Actividad crediticia | -15,061.6 | -17,128.7 | -2,067.1 | 13.7 | 442,571.7 | 444,816.2 | 2,244.5 | 0.5 | 427,510.1 | 427,687.6 | 177.5 | 0.0 |
| 1.1 Al Sector público neto | -17,119.7 | -19,186.7 | -2,067.0 | 12.1 | 34,243.3 | 35,581.3 | 1,338.0 | 3.9 | 17,123.7 | 16,394.6 | -729.1 | -4.3 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 410,092.0 | 1,004.9 | 0.2 | 409,087.1 | 410,092.0 | 1,004.9 | 0.2 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 303,041.9 | 596.6 | 0.2 | 302,445.3 | 303,041.9 | 596.6 | 0.2 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 107,050.1 | 408.3 | 0.4 | 106,641.8 | 107,050.1 | 408.3 | 0.4 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,194.1 | -98.3 | -7.6 | 1,299.3 | 1,201.0 | -98.3 | -7.6 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 810.7 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 383.3 | -98.3 | -20.4 | 481.6 | 383.3 | -98.3 | -20.4 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 64,962.3 | -4,993.7 | -7.1 | -30.8 | -13.8 | 17.0 | -55.2 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,754.8 | 11,514.8 | -1,240.0 | -9.7 | -9.3 | -9.8 | -0.5 | 5.4 |
| 4. Otros Activos Netos | 11,078.1 | 6,661.0 | -4,417.1 | -39.9 | -68,636.4 | -68,006.7 | 629.7 | -0.9 | -57,558.3 | -61,345.8 | -3,787.5 | 6.6 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,059.3 | 120.8 | -2.9 | -4,180.1 | -4,059.3 | 120.8 | -2.9 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -65,891.2 | -2,676.0 | 4.2 | 29,973.4 | 32,580.3 | 2,606.9 | 8.7 | -33,241.8 | -33,310.9 | -69.1 | 0.2 |
| 7.1 Con entidades públicas | -27,260.4 | -28,044.1 | -783.7 | 2.9 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -28,044.1 | -783.7 | 2.9 |
| 7.2 Otros inversionistas | -35,954.8 | -37,847.1 | -1,892.3 | 5.3 | 29,973.4 | 32,580.3 | 2,606.9 | 8.7 | -5,981.4 | -5,266.8 | 714.6 | -11.9 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,751.3 | 175,563.5 | -8,187.8 | -4.5 | 434,859.2 | 439,940.3 | 5,081.1 | 1.2 | 535,859.6 | 539,003.2 | 3,143.6 | 0.6 |
| IV. DINERO PRIMARIO | 170,987.3 | 164,038.9 | -6,948.4 | -4.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 99,062.8 | -1,937.7 | -1.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 64,976.1 | -5,010.7 | -7.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 62,490.7 | -5,004.0 | -7.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,471.5 | 10.2 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 13.9 | -16.8 | -54.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,764.1 | 11,524.6 | -1,239.5 | -9.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,304.2 | 11,062.0 | -1,242.2 | -10.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 450.6 | 452.8 | 2.2 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 9.8 | 0.6 | 6.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 99,062.8 | -1,937.7 | -1.9 | 115,387.0 | 112,288.8 | -3,098.2 | -2.7 | 216,387.4 | 211,351.6 | -5,035.8 | -2.3 |
| 1. Numerario en circulación | 101,000.5 | 99,062.8 | -1,937.7 | -1.9 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 99,062.8 | -1,937.7 | -1.9 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 112,288.8 | -3,098.2 | -2.7 | 115,387.0 | 112,288.8 | -3,098.2 | -2.7 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 240,104.5 | 1,836.6 | 0.8 | 238,267.9 | 240,104.5 | 1,836.6 | 0.8 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 99,062.8 | -1,937.7 | -1.9 | 353,654.9 | 352,393.3 | -1,261.6 | -0.4 | 454,655.4 | 451,456.1 | -3,199.3 | -0.7 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 32,480.6 | 2,298.1 | 7.6 | 30,182.5 | 32,480.6 | 2,298.1 | 7.6 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 55,066.4 | 4,044.6 | 7.9 | 51,021.8 | 55,066.4 | 4,044.6 | 7.9 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,547.0 | 6,342.7 | 7.8 | 81,204.3 | 87,547.0 | 6,342.7 | 7.8 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 99,062.8 | -1,937.7 | -1.9 | 434,859.2 | 439,940.3 | 5,081.1 | 1.2 | 535,859.7 | 539,003.1 | 3,143.4 | 0.6 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 742.0 | 126.0 | 20.5 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,173.3 | 0.6 | 0.1 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,608.8 | 4,223.5 | 57.2 | -.- | -.- | -.- | -.- |